Shri AR Nagappan is a post-graduate of Science. He has 36 years of experience in Banking. He joined Indian Bank as a probationary officer in 1970. During his service in Indian Bank he headed the operations at various levels. On becoming the General Manager in February 1998, headed the Bank’s Inspection Department for a year. From 1999 was heading the Personnel/ International Banking/ Treasury Operations/ Accounts and Subsidiaries of Indian Bank. In Indian Bank, he was actively associated in the preparation and implementation of the ‘Restructuring Plan’ for successful turn around of Indian Bank. He was a member in various Committees of the IBA including its Personnel Committee. In Indian Overseas Bank he served as its Executive Director from 27th August 2004 to 30th April 2006. He was instrumental in strengthening the fundamentals of IOB, which enabled IOB to be rated as BB+ positive by ‘Standard and Poor’ an International Rating Agency. He visited several Asian, African and European countries on official work and for advanced training.